Seeing blood on one's finger after performing Salaah

Q: I wanted to ask that, I must have bled a little from my finger which I didn't know about. I saw it after I put clean clothes away and it seemed dry. I don't know if this blood touched my clothes that I was wearing or the clean clothes I put away or anything I my have touched and with most clothes being black it's hard to tell.

1. Please can you tell me if I need to wash the clothes again or would they be considered pure?

2. Is my namaz counted in the same clothes I was wearing? 

Home insurance

Q: We live in a dangerous area in Cape Town, lots of gangsterism, drugs, violence and we often have home break in. We earn below average income and can't afford to replace goods when stolen during break in. Is it permissible to have home insurance in this case?

Wudhu breaking due to pimples bursting

Q: I have problem due to acne on my face and on my back when I sit or if pressure is applied on it, it may burst and bleed, mostly blood comes out and there is no pus, but sometimes there is and both are unnoticeable mostly.

1. If this blood comes out, will my wudu be invalid? If yes, then what about prayers that I have offered in it without knowing about it bursting and about wudu?

2. What about the blood spots on my vest as there are a lot of it on it especially when 3 to 4 burst. Will my clothes be impure? Will Salah be valid?

3. Yahya related to me from Malik from Abd ar Rahman ibn al-Mujabbar that he saw Salim ibn Abdullah with blood running from his nose so that his fingers were all coloured red. Then he rubbed it and prayed without doing wudu.

وَحَدَّثَنِي عَنْ مَالِكٍ، عَنْ عَبْدِ الرَّحْمَنِ بْنِ الْمُجَبَّرِ، أَنَّهُ رَأَى سَالِمَ بْنَ عَبْدِ اللَّهِ يَخْرُجُ مِنْ أَنْفِهِ الدَّمُ حَتَّى تَخْتَضِبَ أَصَابِعُهُ ثُمَّ يَفْتِلُهُ ثُمَّ يُصَلِّي وَلاَ يَتَوَضَّأُ ‏.‏

USC-MSA web (English) reference : Book 2, Hadith 52 Arabic reference : Book 2, Hadith 82

What about this hadith should I follow it then? Yahya related to me from Malik from Zayd ibn Aslam that the ayat "You who believe! When you rise for prayer wash your faces, and your arms to the elbows, and wipe over your heads and your feet up to the ankles," refers to rising from bed, meaning sleep. Yahya said that Malik said, "The situation with us is that one does not have to do wudu for a nose-bleed, or for blood, or for pus issuing from the body. One only has to do wudu for impurities which issue from the genitals or the anus, or for sleep."

وَحَدَّثَنِي عَنْ مَالِكٍ، عَنْ زَيْدِ بْنِ أَسْلَمَ، أَنَّ تَفْسِيرَ، هَذِهِ الآيَةِ ‏{‏يَا أَيُّهَا الَّذِينَ آمَنُوا إِذَا قُمْتُمْ إِلَى الصَّلاَةِ فَاغْسِلُوا وُجُوهَكُمْ وَأَيْدِيَكُمْ إِلَى الْمَرَافِقِ وَامْسَحُوا بِرُءُوسِكُمْ وَأَرْجُلَكُمْ إِلَى الْكَعْبَيْنِ‏}‏ أَنَّ ذَلِكَ إِذَا قُمْتُمْ مِنَ الْمَضَاجِعِ ‏.‏ يَعْنِي النَّوْمَ ‏.‏ قَالَ يَحْيَى قَالَ مَالِكٌ الأَمْرُ عِنْدَنَا أَنَّهُ لاَ يَتَوَضَّأُ مِنْ رُعَافٍ وَلاَ مِنْ دَمٍ وَلاَ مِنْ قَيْحٍ يَسِيلُ مِنَ الْجَسَدِ وَلاَ يَتَوَضَّأُ إِلاَّ مِنْ حَدَثٍ يَخْرُجُ مِنْ ذَكَرٍ أَوْ دُبُرٍ أَوْ نَوْمٍ ‏.‏

USC-MSA web (English) reference : Book 2, Hadith 10 Arabic reference : Book 2, Hadith 40

Stray thoughts of committing shirk

Q: If I was ready to commit a sin even it is shirk, does that mean that I comitted shirk ? Will that sin be shirk if I do it again? If I am doing something with the doubt whether it's shirk or not does that mean I comit shirk ? If I dont stop doing a thing with doubt that it might be shirk .. does that mean am committing shirk ? What can do for over come this ?? Is that mean I comit shirk and is it shirk to do that thing again or have some other way to ask forgiveness and do as normal sin ? Will Allah forgive me if I continue this sin and think as normal sin or will it be considered as shirk if I do these sin ? These are not important than Allah so what should I do ?

Is zakaat compulsory upon a person who is in debt?

Q:

1. Zaid bought a house on mortgage, he owes the bank a lot of money, about 70 thousand pounds, he has to pay at least 5 thousand pounds to the bank every year. Zaid has 5 thousand pounds savings in his account (kept the money for daily family usage) does he have to pay zakat on this amount (5 thousand pounds) at the end of the year because his debt is more than his savings?

2. Is there a difference of opinion amongst scholars regarding the above situation if zakat is fardh or not?

3. Will it be permissible for Zaid to take zakat money to pay of his mortgage to the bank?